The Empire Plan is NYSHIPs unique health insurance plan designed exclusively for New York States public employees and employers. The Coverage Examples that are included in the SBC are based on a standard set of services that a patient might receive in either scenario. The member benefit contract will determine whether a procedure or service is covered. Muscle imbalances. 0000012693 00000 n
If you are a retiree, please visit NYSHIP Online for Retirees. A one-ounce portion (roughly a quarter cup) of raw . Joseph Elie NYSHIP Empire Plan retirees who have Medicare as their primary insurance will be automatically enrolled in a Medicare Part D prescription plan on Jan. 1, 2013, unless they cancel coverage. The Empire Plan pays for covered hospital services, physicians bills, prescription drugs and other covered medical expenses. Can creatine cause irregular heartbeat? These cookies track visitors across websites and collect information to provide customized ads. If you choose to enroll in a Medicare PDP or Medicare Advantage Plan outside of NYSHIP, your Empire Plan coverage will end and you will be disenrolled from all Empire Plan health insurance coverage, including medical/surgical, hospital, mental health/substance use and . p JxfID04!9x\0Rx(0|J OY Overall, Sandra Hearth is a knowledgeable and passionate advocate for healthy living, and her blog "Wellbeing Port" is a valuable resource for those looking to improve their health and wellbeing. 1 Sep 2022. 35 East 84th Street, New York, NY 10028. Welcome to EBD - We're Excited To Share With You The Highlights Of Our 2022 Nyship Plan* As a hard-working New York State employee, you deserve a health plan that works hard to help you and your family get and stay healthy. Click here for a table of the counties each HMO serves in 2023, Highmark Blue Cross Blue Shield of Western New York, Highmark Blue Shield of Northeastern New York, Demographic Data Self-Identification Form. Tips for comparing your Medicare choices. Family coverage will become effective June 10 (the "date of event" is the date of marriage). However, for a complete list of covered services and more comprehensive information explaining how services are covered, refer to your Certificate of Coverage, At A Glance and other plan material. Is this what I will pay if I experience one of these events? 0000021102 00000 n
Some words on the Summary of Benefits and Coverage are shown in bold and underlined. Important Exam Alert Updates Due to Weather Conditions. To enroll in the New York State Health Insurance Program (NYSHIP) Opt-out Program. She started her blog as a way to share her passion for healthy living with others and to provide practical tips and advice for those looking to improve their overall wellbeing. It offers many of the same features and benefits of The Empire Plan, with a higher degree of cost sharing between the employer and plan participants. 172 0 obj
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mL>pXT VW(y!q[!cq)i=nDv#h-&HVhg in the NYSHIP service area of the HMO in which you are enrolled, you must change to another option. A couple of reasons: One, there are shortages of mental health professionals in general, and particularly in certain parts of the country. (7 days ago) WebCall The Empire Plan toll free at 1-877-7-NYSHIP (1-877-769-7447) and select the appropriate program Medical/Surgical administered by UnitedHealthcare Cs.ny.gov Category: Medical Detail Health 2022 NYSHIP Benefit Plan Comparison . Once the 2023 NYSHIP Rate Flyers are printed, they will be mailed to individual homes by New York State. 0000001372 00000 n
In general, depending on the program, members are responsible for either notifying Empire Plan program vendors of certain services or for using network care providers for these services. Additional information can be obtained from agency health benefit administrators. 0000001182 00000 n
New York State 2023 Monthly COBRA Rates . A. Rates and Health Plan Choices - Information on your health insurance options under NYSHIP. Rehabilitative services for addiction are also included. Behavioral Health Program, (except administration of enteral formula through a tube for patients whose primary coverage is Medicare), 2023 UnitedHealthcare | All Rights Reserved, Healthcare Provider Administrative Guides and Manuals, Prior authorization and notification requirements, Empire Plan supplement - 2022 Administrative Guide, Sign in to the UnitedHealthcare Provider Portal, Health plans, policies, protocols and guides, The UnitedHealthcare Provider Portal resources, Empire Plan Durable Medical Equipment (DME) Notification List for Members with Primary Empire Plan Coverage, UnitedHealthcare Benefits Management Program, Managed Physical Network, Inc. (MPN) Managed Physical Medicine Program, UnitedHealthcare Home Care Advocacy Program, Empire BlueCross Benefits Management Program, Beacon Health Options, Inc. Behavioral Health Program, Empire Blue Cross Blue Shield Benefits Management Program, Diabetic shoes (when the Empire Plan is primary coverage), DME items listed on the DME Notification List atuhcprovider.com/priorauth > Advanced Notification and Plan Requirement Resources > Empire Plan Notification Lists >. 0000003021 00000 n
If you are a New York State Active Employee and unsure of your group, our Enrollee Group Wizard will ask you a series of questions in order to determine which group you should select. Your SBC may provide you with some information that will explain how you are covered for certain services, such as what your copayment is. If you believe you were the victim of a scam involving at-home test kits or any scam related to your health benefits, please refer to guidance posted by the Federal Trade Commission (FTC) . Will my Summary of Benefits and Coverage explain how services are covered? Medicare-primary Empire Plan enrollees and dependents will automatically be enrolled in Empire Plan Medicare Rx, a Medicare Part D prescription drug program with expanded coverage designed especially for Empire Plan members. TD~om=9f;T^Uo>*-N!\%vq{K\QLL)8"rVo{/J!r8QO#Xn%NOPOliQ0*$xBGX8HxHT\T)fO%4b]fle^ Bethzayda Matos, Pre-Licensed Professional, Bronx, NY, 10451, (347) 754-3657, My goal as a therapist is to provide guidance and support to individuals and families to help them strengthen their . It includes hospital, medical and prescription drug benefits in one plan. 2022 Documents. The 2023 NYSHIP Option Transfer and Pre-Tax Contribution Program (PTCP) Election Period runs from Thursday, December 1, 2022 through Friday, December 30, 2022. The Summary of Benefits and Coverage is a simple, federally mandated table intended to aid consumer understanding. b>NYSHIP provides wide-ranging insurance coverage to over 1. %PDF-1.6
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To be eligible for coverage under a NYSHIP HMO, you must live or work in the HMOs service area. The New York State Health Insurance Program (NYSHIP) offers eligible employees the option of choosing either The Empire Plan or a NYSHIP HMO for health insurance coverage. In general, depending on the program, members are responsible for either notifying Empire Plan program vendors of certain services or for using network care providers for these services. 1 You are enrolled in Empire Plan Medicare Rx, which is a Medicare Prescription Drug Plan. %PDF-1.4
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NYSHIP General Information Book - General eligibility and enrollment rules and information. Fortunately, the vast majority of large group plans already provided mental health benefits before the parity law took effect. Gifted, innovative, and sensitive are words patients use to describe Dr. Elie Levine, one of New York's top board-certified plastic surgeons and the Director of Plastic Surgery at Plastic Surgery & Dermatology of NYC. Because of cookies, the site will remember your group for future visits. Nyship Empire Plan benefits 2022 want for 2022, as set forth in charts. A$jLv >aL@7 b`+i[
Click here for a summary. Need access to the UnitedHealthcare Provider Portal? The Summary of Benefits and Coverage is a standardized template and the cells cannot be altered, moved, or deleted by any plan. The Empire Plan Participating Provider Program offers a network of over 300,000 physicians, laboratories and other providers located throughout New York and in many other states. This is only a summary. Californias Mental Health Parity Act, as amended in 2020, requires all state-regulated commercial health plans and insurers to provide full coverage for the treatment of all mental health conditions and substance use disorders. Z?j|TCI:AANg. The following represents the 2023 biweekly premium contributions for CSEA active state employees (and Unified Court System). The annual Option Transfer Period for State employees will begin Thursday, December 1, 2022, and end Friday, December 30, 2022. 192 0 obj
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We strongly encourage you to review other plan material before making a decision about the coverage you and your family will have for the next year. Born and raised in the bustling city of New York, Sandra has always been drawn to the idea of living a balanced and fulfilling life. To get started, you MUST select one of the following: Access health care services remotely using The Empire Plan's new, Click here for NYSHIP Online for RETIREES, Demographic Data Self-Identification Form. Side-by-side comparison and highlights of benefits of the plan with drug coverage 2022 Summary of Benefits and Coverage How you and the plan would share the cost for covered health care services 2022 Summary of Benefits and Coverage Rx Plans How you and the plan would share the cost for covered health care services with drug coverage Q. Over-the-Counter (OTC) At-home COVID-19 Test Reimbursement Form Health Benefits News NYS Benefits Empire Plan HMOs Dental Vision FAQ The health insurance option you want for 2022 2022 Active Employee Rate Schedule before deciding on your Plan. ul. Please note there are two sets of rates. A. . terminate your NYSHIP (Empire Plan and Medicare Advantage Plans) benefits Call EBD if you have any questions. This notification list may be modified. If you need a paper copy, call 1-877-7-NYSHIP (1-877-769-7447) and select the Medical/Surgical Program. View exam alert here. Important Exam Alert Updates Due to Weather Conditions. Call 1-877-7-NYSHIP (1-877-769-7447) and follow the prompts to notify the appropriate program carrier/vendor as outlined below, or go to uhcprovider.com/paan. You are represented by CSEA or UUP and elect to pay the full premium cost. `k
:`N&bRN~W\^ Og#L lCEtT*1[GH"N;PAa?TX,=wv^`Fc_k_c?*OUb,T|PU[%jJ d_/">\-1M42!@1]$6#&PfW4 . PLAN COST Empire Individual (001) Tool properly, you will need to submit claim forms and pay a higher share of the of! View exam alert here. Independent Health Empire Plan Health Insurance Certificate Amendments, 2023 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary - January 2023, 2022 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary - October 2022, 2023 Empire Plan Advanced Flexible Formulary - January 2023, 2022 Empire Plan Advanced Flexible Formulary - October 2022, Empire Plan Providers, Pharmacies and Services. Q. Your HBA, usually located in your agencys personnel office, can also print you a copy. Does Empire plan pay Medicare deductible? Q. A. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Capital District Physicians' Health Plan, Inc. | 500 . How long does 600mg edible last in your system? >I,q%/0kYz[ad.-5-w6OB;n?/F:1R! 1 . Are mental illnesses covered by insurance? This cookie is set by GDPR Cookie Consent plugin. enrollees through NYSHIP. Refer to your Empire Plan Medicare Rx documents for information about your out-of-pocket expenses. Summary of Benefits. 0000037637 00000 n
United HealthCare has provided a summary of changes to their benefits plan as a result of the COVID-19 pandemic. trailer
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If your dental and/or vision coverage is provided by an Employee Benefit Fund, contact the Fund for 2022 rates. Highmark Blue Cross Blue Shield of Western New York For specific formulary updates check here. Business Services Center Home Page | Business Services Center The federal law requires the inclusion of annual out-of-pocket costs on employee health insurance benefit cards and impacts all NYSHIP plans. Empire BlueCross (Empire) is the trade name of Empire HealthChoice Assurance, Inc. and Empire BlueCross HMO is the trade name of Empire HealthChoice HMO, Inc. Forms - Empire Plan Claims Forms It is updated weekly. You also have the option to opt-out of these cookies. At Universal Audiology, this benefit will pay for a wide variety of hearing instruments. to retain NYSHIP coverage provided the employee has at least 10 years of benefits eligible service, and are within 10 years of retirement. The cookie is used to store the user consent for the cookies in the category "Analytics". The Empire Plan Supplement will be included with the 2021 UnitedHealthcare Care Provider Administrative Guide. Since the site uses cookies to bring you targeted information regarding your health benefits, you will need to select your group and health insurance plan when prompted. A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. A mental health diagnosis can prevent people from qualifying for life insurance or increasing their existing plan. Empire Plan Health Insurance Certificate - Detailed description of the benefits and plan requirements. You have to have cookies enabled so that you will only need to access this page and select your group once. NYSHIP Online Guidelines for Web Navigation. You can get reimbursed up to $400 per plan year. endstream
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The cookie is used to store the user consent for the cookies in the category "Performance". Before you receive services, call the Empire Plan at 1-877-7NYSHIP (1-877-769-7447) and choose UnitedHealthcare. Payment from Empire Insurance coverage will pay for your hearing aids 100%. 154 0 obj
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I was approved in 24 hours after I met all of my surgeons requirements. February 3, 2022 52 Return to State Service In a benefits-eligible position The Empire Plan Infertility Centers of Excellence offer the best in reproductive medical technology and infertility procedures. The Summary of Benefits and Coverage (SBC) is simple and standardized comparison document required by the Patient Protection and Affordable Care Act (PPACA). The enhanced network will provide access to more than 400 acupuncture providers at over 500 different locations throughout New York State. What is The Empire Plan? Main Campus Office: S-5415 Melville Library. What is the , It raises the risk for heart disease, cancer, liver damage, and stroke. :2ceuzF3rAEb
With this change, the Empire Plan benefits from a 50 percent discount for brand-name drugs as part of the Affordable Care Act. E.g. View exam alert here. 0000004634 00000 n
These cookies will be stored in your browser only with your consent. See NYS Department of Civil Services NYSHIP Rates and Deadlines publication. PLEASE NOTE: This link brings you to New York States NYSHIP Online website. Verify your health insurance coverage when you arrange your first visit. The first set reflects 2023 biweekly rates for CSEA-represented employees who are Grade 9 and below. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. Refer to your plan material for the definition used by your plan. Empire Plan Providers, Pharmacies and Services, Access health care services remotely using The Empire Plan's new, Empire Plan Health Insurance 0000010767 00000 n
Wl`*@Bq5=NRyMBQp +;O~b~s@ mHbV'au`qnA6BAXmEA:,YIK>0:{dw#[i Click here for NYSHIP Online for RETIREES How to use this site Active Employees Welcome to NYSHIP Online, where you will find information on the New York State Health Insurance Program for State and Local Government for active employees. If the request is made within 30 days after the event date, then coverage becomes effective on the first day of the . Analytical cookies are used to understand how visitors interact with the website. ycBQ^]}jE k@oI b"h,QM]GuiU.UeY=8Z?>-/bNriO] endstream
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Your NYSHIP coverage will terminate at the end of the current plan year, and the incentive payments will begin with the first payroll period of the new plan year. Be sure to check the appropriate boxes for the coverage type declined. Empire BlueCross is an HMO DSNP plan with a Medicare contract and a coordination of benefits agreement with the New York State Department of Health. www.cs.state.ny.us. The cookie is used to store the user consent for the cookies in the category "Other. Once the 2023 NYSHIP Rate Flyers are printed, they will be mailed to individual homes by New York State. 2023 At A Glance - Easy to access benefits summary that can answer most of your general questions. This website uses cookies to improve your experience while you navigate through the website. HMO Blue NYSHIP General Information Book - General eligibility and enrollment rules and information. Click the plan names below to view a Summary of Benefits and Coverage for each option. 0000004228 00000 n
The Empire Plan is NYSHIP's unique health insurance plan designed exclusively for New York State's public employees and employers. Tel: 631-632-6570. westchapter@uupsbu.org. By clicking Accept, you consent to the use of ALL the cookies. Non-Participating Provider Claim Forms and Administrative Forms. For more information about your coverage, or to get a copy of the complete terms of coverage, visit www.cs.ny.gov or call 1-877-7-NYSHIP (1-877-769-7447). The New York State Health Insurance Program (NYSHIP) offers eligible employees the option of choosing either The Empire Plan or a NYSHIP HMO for health insurance coverage. Decline NYSHIP Coverage Check box to decline coverage. For Questions About: Phone Number: Precertify home care and durable medical equipment/supplies. This document does not provide the full scope of coverage under any plan and should not be construed as a complete description of a plan's benefits. NYSHIP-Empire Plan . February 3, 2022 26 Coverage for Children Over 26 . your Empire Plan coverage will end and you will be disenrolled from all Empire Plan health insurance coverage, including medical/surgical, hospital, mental health/substance abuse and prescription drugs. Click on the link below to access the Summary of Benefits and Coverage for the following: The Empire Plan | Espaol During this period, employees enrolled in the New York State Health Insurance Program (NYSHIP) may: Change their NYSHIP coverage status (e.g., family, individual) Change their NYSHIP . It does not store any personal data. What is the difference between The Excelsior Plan and The Empire Plan? The Excelsior Plan is a more affordable alternative to The Empire Plan. 0000031169 00000 n
If you need a paper copy of the Summary of Benefits and Coverage or the Uniform Glossary for a NYSHIP HMO, please contact the HMO. Opt-Out Program for 2023: Musculoskeletal causes of difficulty walking Broken bones and soft tissues injuries, including sprains, strains and tendonitis. . 0000024663 00000 n
NYSHIP | NY State Empire Plan Out of Network . Main Campus Contact. 0000001530 00000 n
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See NYS Department of Civil Services NYSHIP Rates and Deadlines publication The annual Option Transfer Period for State employees will begin Thursday, December 1, 2022, and end Friday, December 30, 2022 . endstream
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Patients can appeal life insurance companies decisions by explaining why their mental health care is necessary. Steps to getting contracted plus plan information, Phone numbers and links for connecting with us, List of contracted, high-quality independent lab providers, Update, verify and attest to your practice's demographic data, Provider search for doctors, clinics and facilities, plus dental and behavioral health, Policies for most plan types, plus protocols, guidelines and credentialing information, Specifically for Commercial and Medicare Advantage (MA) products, Pharmacy resources, tools, and references, Updates and getting started with our range of tools and programs, Reports and programs for operational efficiency and member support, Resources and support to prepare for and deliver care by telehealth, Tools, references and guides for supporting your practice, Log in for our suite of tools to assist you in caring for your patients. NYSHIP Online contains health plan information for State and Local Government active enrollees. NYSHIP | NY State Empire Plan Out of Network . Civil Service contracts with Beacon Health Options (Beacon) to administer the MHSA program for the Empire Plan. Contents of the Summary of Benefits and Coverage Nitric oxide is a gas we make , Blood: THC from edibles can be detected for 3 to 4 days in blood. ;Yg.j$~}sy;^;j*LZ46F[&ZbUloOn_jp?KNayrY^7l`Z>h\%Cqy1_eh^Ci/Z`|xtk$1C@b"0K8'hP0A[("4Q +GGq9z There is a nationwide network of more than 1.2 million UnitedHealthcare Empire Plan participating providers, including over 70,000 Managed Physical Network (MPN) providers for chiropractic care and physical therapy. With Empires EPO (Exclusive Provider Organization) plan, you have access to an extensive network of doctors and hospitals across the country. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. The 2023 Administrative Guide for Commercial, Medicare Advantage and DSNP is applicable to all states except North Carolina. These services are likely to identify members with unmet health care needs who will benefit from UnitedHealthcares programs, or those of other Empire Plan vendors. The new benefit cards will include annual deductibles and out-of-pocket maximum information. Your Empire Insurance will cover $1,500 per ear every four years. 0000003871 00000 n
Always refer to other plan material, such as Choices for 2023 for more information about The Empire Plan and NYSHIP HMOs if you are making a decision about your family's coverage. These cookies ensure basic functionalities and security features of the website, anonymously. Group Medicare Benefits Summary and Rx Rider - 2022 . -network expenses incurred under the Prescription Drug Program is $3,050 for Individual coverage and $6,100 for Family coverage for both the Empire and Excelsior Plans. Two, many mental health and substance use providers do not accept insurance because they do not get paid enough by insurance companies for their services. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Empire Plan participants are given NYSHIP ID cards by the State of New York Department of Civil Service, the Empire Plan policyholder. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. endstream
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The Empire Plan is the primary health insurance plan for NYSHIP, serving about 1.1 million members. 6[A'`L ]?e_2Xehb!LIP3F'NrZ(n7y% This program offers a PPO, known as the Empire Plan, and several different HMOs, varying by geographic region around the State. #DAek@mW!?Z)xQgCe }&=~$!7*21*bM This information is current as of 1/11/2023, and is subject to change. ID cards, Empire Plan supplement - 2022 UnitedHealthcare Administrative Guide. Welcome to EBD - How and where to get the help you need with your coverage under the New York State Health Insurance Program (NYSHIP). The LIRR Benefits page, or . 5 mi. Hv\MzYGc{?6{3*1.~l}~`8-r&dx@Nf B$0`8&D`2p- Some factors that can affect the price of therapy include: The therapists training. If your other employer-sponsored coverage begins on January 1, 2022 and your first NYSHIP pay period for the new plan year begins before January 1, 2022, please 2023 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary - January 2023, 2022 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary - October 2022, 2022 Empire Plan Advanced Flexible Formulary - October 2022. #Xi^Xow}6|jt42GDSh_L}F>W$-jB`=bhpA6\>a[\vHoCkIC_} o#|~VBEa-;>/:_nzY7Ykhm86 The CSEA Health Benefits Department can be reached at 518-785-4774 or 1-800-286-5242(JCHB) or by email at healthben@cseainc.org. Sandra Hearth is the creator and writer behind "Wellbeing Port", a blog dedicated to promoting healthy living and personal wellness. If you are enrolled in an HMO, the State will pay 84-88% for individual coverage and 69-73% for family coverage, not to . 2&pqA8@BV)yS,yQX>,OFJx=uNT@4T>BD"5A
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2023 Medicare Formulary - (List of covered drugs) Information on medication coverage. . 46 verified reviews. Forms - Empire Plan Claim Forms, In most areas of the country, a person can expect to pay $100-$200 per session. AHIP is the national association whose members provide coverage for health care and related services to hundreds of millions of . &szg|n`>#ifOC,L.B5%&Rde.jMOQ}yz
, There are four major sections Important Questions, Common Medical Events, Excluded Services & Other Covered Services and Coverage Examples. The Empire Plan (NYSHIP) Breast reduction, The Empire Plan (NYSHIP), covers breast reductions based on United Health Care Coverage Guidelines. Prior versions also remain in circulation. 2023 Empire Plan Advanced Flexible Formulary - January 2023 2022 Empire Plan Advanced Flexible Formulary - October 2022 Empire Plan Providers, Pharmacies and Services Forms - Empire Plan Claim Forms, Non-Participating Provider Claim Forms and Administrative Forms. This online directory lists The Empire Plan's Participating providers. 1536 0 obj
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Is the Empire Plan part of UnitedHealthcare? As a certified health coach and yoga instructor, Sandra has a wealth of knowledge and experience in the fields of health and wellness. These Coverage Examples are intended to help you compare your overall coverage and are not intended as a cost estimator. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". See the 2023 State NYSHIP Enrollee Biweekly Premium Contributions Yes. Empire Plan Health Insurance Verify your health insurance coverage when you arrange your first visit. 2022-2023 Benefit Changes for HMO Rx Plans. Easy to access benefits summary that can answer most of your general questions. r Cancer Program Includes paid -in full coverage for cancerrelated . But opting out of some of these cookies may affect your browsing experience. 2023 Empire Plan and NYSHIP Rates for State Employees. You do not need to enroll in part B until you retire from state service. endstream
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State enrollees wishing to change options or to enroll in the Opt-Out Program should submit the necessary paperwork to their agency health benefits administrator no later than the Option Transfer Period deadline of December 30, 2022. The network will continue to grow as new providers contract with the Plan. NYSHIP will again offer the Opt-Out Program in 2023, which will allow eligible employees who have employer sponsored group health insurance, to opt out of their NYSHIP coverage in exchange for an incentive payment. Health (2 days ago) Web2023 Empire Plan and NYSHIP rates for state employees - CSEA, AFSCME 2023 Empire Plan and NYSHIP Rates for State Employees 2023 State NYSHIP Enrollee Biweekly Premium Cseany.org . Jan 2017 - Jan 2022 5 years 1 month. hTRn071&Q%PMv7"c2htG\V3onTgv8z yEi!^4Pvun'M-/~fE(._=}V_-8Y'+:i:1 h04E*y!j0XLi*Mb &yX$h 1, 2021, members of The Empire Plan will have in-network access to the UnitedHealthcare Options preferred provider organization (PPO) network for all states and U.S. territories outside of New York. 0000004520 00000 n
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Therapy can be expensive, with or without insurance. We also use third-party cookies that help us analyze and understand how you use this website. No. Rates and Health Plan Choices - Information on your Empire Plan Health Insurance Certificate - Detailed description of the benefits and plan requirements.
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